Question 1

Can I use a VA loan for a condo in Woodland?

Accepted Answer

Yes, but the complex must be VA-approved. We check the VA's condo approval database before you make an offer to avoid wasting time on ineligible buildings.

Question 2

Do VA loans take longer to close than conventional?

Accepted Answer

Not with experienced lenders. We close VA loans in 21-30 days routinely. Delays happen when appraisals uncover repair issues, not because of the loan type.

Question 3

Can I buy a fixer-upper with a VA loan?

Accepted Answer

Standard VA loans require the home to be move-in ready. VA Renovation loans exist for fixers, but they're complex. Most borrowers choose turnkey properties instead.

Question 4

What's the maximum VA loan amount in Yolo County?

Accepted Answer

For 2026, the VA loan limit is $806,500 in Yolo County. Above that, you need a down payment of 25% on the excess amount.

Question 5

Can I use my VA loan more than once?

Accepted Answer

Yes. Your entitlement restores after selling and paying off the previous VA loan. You can also use remaining entitlement for a second property if you have enough.

Question 6

Do sellers in Woodland accept VA offers?

Accepted Answer

Most do, especially when you're pre-approved and waive the VA escape clause. Competitive offers include appraisal gap coverage to address seller concerns about VA valuations.

VA Loans in Woodland: Zero Down for Service Members in Yolo County